K a while back you may remember i had a mint mk1 golf.....well i bought it for ma burd and she was going to sell her ax and give me the money for it
but after about a week the head went so we set about fixing it to sell as she felt it was going to be unreliable....6 weeks later and a few hundred quid she was back on the road and up for sale.
about 2 weeks after it went up for sale some little pikey bam nicked it and burnt it out - GUTTED! The car was insured fully comp for 1000 so we thought itll be cool well get the cash for the car ....WRONG!!!!
after about a month of waiting for the insurance company to get back to us we get an offer 350!! bearing in mind this was a mint example of the car pretty much a collectors car and they normally fetch 1200+
we then send a letter with some pictures of the car to contest the amount offered and are met with no this is the best offer we can give you!!!!
We are well pissed off....how can the insurance company allow you to pay a premium for a car of £1000 yet only pay the market value or what seems like the market value.....if this is the case should it not be when you get the insurance that they dont ask you how much is the car worth as they are just going to pay what they want...
we are going to contact them again tomorrow and if no joy the ombudsman will be getting contacted!
what do you all think? does it not make you wonder how much you would get if the unfortunate happend? i certainly am going to contact my insurance company as i am not paying a premium for all the mods on my car for them to give me poo money!